The 120-Minus-Age Longevity Protection Rule
Protecting Retirement Savings Against Increasing Indian Life Expectancy
✨ With rising medical longevity, the 120-Minus-Age rule ensures your money outlives you by keeping a slightly higher growth allocation alongside guaranteed fixed income.
Growth % = 120 - Age. Safe Fixed Income % = Age - 20. Designed for retirees planning for 30+ year retirement horizons.
Calculate Your Growth vs Safe Fixed Income Split
Visual Process Timeline
Longevity Calculation
Growth % = 120 - Age.
Fixed Income Parking
Place remaining % in SCSS, POMIS, and Bank FDs.
Why This Rule Works So Well
Retirees today live 25-30+ years post-retirement. 120-minus-age prevents running out of money at age 80.
Balances growth needs with guaranteed fixed income safety.
Real Family Scenarios
30-Year-Old Investor
Age 30.
Common Mistakes & Costly Pitfalls
❌Zero Fixed Income Allocation in Youth
Even young investors should keep 10% in PPF/EPF for emergency liquidity.
Where This Shortcut Breaks Down
Every Financial Shortcut Has Limits
While this shortcut is excellent for quick mental estimation, here is exactly where reality diverges from theory:
- Too aggressive for conservative seniors with no secondary pension.
Suitable Calculators for 120-Minus-Age Rule
Want to calculate exact compound interest, retirement targets, or loan EMIs based on this rule? Use these free interactive calculators:
Frequently Asked Questions
Is 120-minus-age safe for retirees?
At age 60, it allocates 60% growth and 40% safe fixed income (SCSS/POMIS).